Members Cooperative
Duluth, MN · Charter 60216 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
$1.2BAssets
$947.7MLoans
$968.7MShares
$125.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 76% of credit unions $1B-$10B in assets (rank 106 of 435).
- Widest gap: nonperforming loans / loans trails 89% of credit unions $1B-$10B in assets (rank 388 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.06%
Rank 131 of 435
Net Interest Margin
3.56%
Rank 165 of 435
Efficiency Ratio
73.12%
Rank 244 of 435
Equity / Assets
10.80%
Rank 226 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.55% | 0.81% | 1.14% | Beats 70% | 131 / 435 | |
| Return on Equity | 9.79% | 5.12% | 7.41% | 9.70% | Beats 76% | 106 / 435 | |
| Net Interest Margin | 3.56% | 3.01% | 3.39% | 3.75% | Beats 62% | 165 / 435 | |
| Efficiency Ratio | 73.12% | 65.25% | 71.39% | 77.86% | Beats 44% | 244 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.49% | 0.45% | 0.69% | 1.05% | Beats 11% | 388 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.80% | 9.81% | 10.84% | 12.63% | Beats 48% | 226 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.80% | 9.81% | 10.84% | 12.63% | Beats 48% | 226 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 97.84% | 78.33% | 88.38% | 95.61% | 80th pctl | 88 / 435 | |
| Loans / Assets | 81.45% | 67.69% | 74.58% | 80.80% | 79th pctl | 92 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |